Mortgage Center Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Mortgage Center
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
67%4 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, at least 95% did, which might mean quoted terms held up, applicants were well qualified, or both.
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What Bankrate's editors think
Mortgage Center’s loan menu reads less like a bank’s and more like a list of scenarios other lenders wave off. There’s a portfolio option for buyers rebuilding their credit after bankruptcy or foreclosure, one that lets a family member co-sign using their credit score without living in the home, and dedicated financing for barndominiums and hobby farms — property types plenty of lenders won’t touch. Teachers, healthcare workers, first responders and military members get their own program with 1% down, no PMI and deferred student loans excluded from the debt-to-income calculation.
Mortgage Center’s data is strong, too: about 76% of this credit union-owned lender’s mortgages were priced below comparable loans in 2025, and it charges less in added costs over eight years than roughly 60% of the lenders we rate. Its licensed footprint tops out at under 20 states, so its reach is regional rather than national, but a homebuyer within that footprint gets an unusually deep bench of niche products to choose from.
At a glance
Good for buyers who don’t fit a standard lending box, like self-employed borrowers, families co-signing across generations, teachers and first responders, or anyone financing a barndominium or hobby farm. Not a good fit if you’re outside its licensed footprint of under 20 states.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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